The best Private Mortgage Lenders of 2026 in Charlotte, North Carolina


Discover the top mortgage broker among 30 listed in Charlotte, NC by assessing various loan programs, interest rates, fees, and qualification requirements. Lendersa's advanced price engine efficiently evaluates millions of real estate loan options available from lenders in Charlotte-Concord-Gastonia, NC-SC, connecting you with the top ten lenders tailored to your specific needs and qualifications.

Input the property location, income, expenses, credit score, and reserves to access a comprehensive list of the best matches from 30 mortgage brokers, direct lenders, banks, and credit unions providing financial services in Charlotte, Mecklenburg County, NC.

Your Local Mortgage Brokers

To assist effectively, mortgage brokers need:
A. Your comprehensive financial details
B. Complete property information
C. A clear understanding of your loan goals

Utilize Lendersa's Loan Calculator

With Lendersa® AI technology, your loan request is quickly matched with a broad selection of direct mortgage brokers, banks, local credit unions, or hard money lenders in Charlotte-Concord-Gastonia, NC-SC. This ensures you find the most appropriate loan options suited to your needs.

Explore Options: Residential, Commercial, and Vacant Land Loans

Avoid unnecessary credit inquiries that may decrease your score. Secure pre-approval for residential or commercial loans from traditional banks, credit unions, Non-QM lenders, or private hard money lenders without revealing your social security number or any sensitive financial information. This method safeguards your credit score while providing tailored financial solutions to suit your circumstances.


Compare 10 Lenders In Minutes

No Social security # is needed to find and compare the best matching loan programs from up to 10 lenders

Note: Lendersa loan requests contain all the data points mortgage brokers need to get you loan proposals.
social-security

The loan request is not a loan application, and your social security number is unnecessary.

To manually contact lenders, we provide you with a complete list:



  • Local Government Federal Credit Union
  • 323 West Jones Street, Suite 600, Raleigh, NC, 27603
  • Lends in North Carolina
  • Local Government Federal Credit Union (LGFCU) is a not-for-profit, member-owned financial cooperative established to serve the financial needs of local government employees, elected and appointed officials, volunteers and their families. Our full range of financial services are created specifically to improve the lives of our members.

  • Simple Commercial Capital
  • 223 South West Street, Raleigh, NC, 27603
  • Lends in North Carolina
  • Simple Commercial Capital is a boutique capital advisory firm founded in NYC, now headquartered in Raleigh, NC. We provide bespoke lending solutions to commercial real estate owners, investors and developers nationwide. Our 26 years of experience and extensive lender relationships allow us to structure out-of-the-box debt

  • Mountain Credit Union
  • 1700 Russ Avenue, Waynesville, NC, 28786
  • Lends in North Carolina
  • Mountain Credit Union was granted an amendment to our Community Charter allowing us to serve four additional Western North Carolina counties – Cherokee, Clay, Graham and Madison. Our charter now allows us to serve anyone who lives, works, worships or attends school in Buncombe, Cherokee, Clay, Graham, Haywood, Henderson, etc

  • First Federal Bank NC
  • 200 East Divine St, Dunn, NC, 28334
  • Lends in North Carolina
  • First Federal Bank headquartered in Dunn, North Carolina is a community bank with 6 locations in eastern North Carolina. First Federal provides corporations, businesses and consumers with a full range of innovative banking and financial solutions.
    Our services and products include commercial.

  • Davis & Davis IG
  • 8601 Six Forks Rd, STE 400, Raleigh, NC, 27615
  • Lends in North Carolina
  • Getting you the funds you need, when you need it: Need funds for Fix N Flips, we can do that, for Construction, we can do that, for Rental loans, we can do that, for Cash-out refi, we can do that, for Commercial, we can do that, for Working Capital, yes, we can do that etc....... Let us help you make your dreams a reality.

  • SeaTrust Mortgage
  • 1001 Military Cutoff Rd, Suite 350, Wilmington, NC, 28405
  • Lends in North Carolina
  • SeaTrust Mortgage Company is built on the foundation of our #1 core value, customer obsession. As a subsidiary of one of the fastest-growing banks in the southeast, Community First Bank, SeaTrust has the ability to tailor products for your needs and wants. Our "New Wave"​ technology will provide speed, quality.

  • Gateway Funding, Inc.
  • 338 Shipyard Blvd, Wilmington, NC, 28412
  • Lends in North Carolina
  • Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.

  • New Republic Savings Bank
  • 420 Becker Drive, Roanoke Rapids, NC, 27870
  • Lends in North Carolina
  • New Republic Bank provides clients with access to next-level financial solutions, customized lending and deposit services. Our seasoned professionals bring a deep knowledge of client needs. Our online banking, mobile apps and client teams provide convenience as well as consultative services.

  • Roanoke Rapids Savings Bank
  • 325 Becker Drive, Roanoke Rapids, NC, 27870
  • Lends in North Carolina
  • Roanoke Rapids Savings Bank is a mutual chartered bank. Our strength comes from our ability to focus on the banking needs of our customers, and not those of stockholders. The Bank was founded in 1914 as Roanoke Rapids Building and Loan with an office in downtown Roanoke Rapids. We are DEDICATED to our work and the clients we help each day.

  • Telco Credit Union
  • 1720 Barlow Road, Tarboro, NC, 27886
  • Lends in North Carolina
  • In 1941, 19 honest hard working Carolina Telephone employees met in Tarboro, North Carolina to form Telco Credit Union. With sound financial principles and an eye on the future they put their hard earned money to work and never looked back.

    Today, Telco is a full service not-for-profit financial institution serving over 10, 000 members.

  • Shore Up Financial Services LLC
  • 2047 Lawrenceville-Suwanee Rd Ste E, Suwanee, GA, 30024
  • Lends in North Carolina
  • Shore Up Financial Services was created for investors by investors and, as such, we understand the challenges faced and lending needs of investors. We structure financing for investors who appreciate a high level of service with direct answers, solid communication, and a confidence in that if it can be done, it will get done! "You work the miracle